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I had been with a couple of insurance companies before and I just couldn't find the right one for me. You never really know how much you can value having insurance (and good insurance at that), until you actually need it. The rates aren't bad at all, and I kind of forgot that I was actually paying insurance. Recently we had really strong rains strike here in Milwaukee and when we woke up, our basement was totally flooded. My insurance company actually heard that there was flooding in my area, and they CALLED ME, and asked me about everything. I told them that our basement had flooded and they paid for all of the damages and got me new furniture. I was saddened by everything that we lost, but I was absolutely joyous that they actually cared to see if we were alright.
You never really think that you're ever going to need flood insurance, but when I first applied with American Family Insurance they told me that floods are one of the things that can sneak up on you and have you baffled when you realize that you don't have insurance for it. I heeded the words and I purchased myself flood insurance. A couple months ago, it had rained very hard and for a long time and in turn our basement ended up being flooded. Everything was destroyed, couches, TVs, clothes, the carpet, stands, a lot of stuff. Since I bought insurance, and I had told them what happened and they came over and tallied everything up, and got me new couches and stands, and a money compensation for everything else that was destroyed.
Chase is a wonderful company to bank with no matter who you are and what you do. I go inside the branch often and there is always a variety of different types of people that appear in the bank and they are all satisfied. I've been with Chase for a couple years now, and all of my payments have been on time since I've switched with them. A couple weeks ago, I was late on my very first payment, and since this was the first time, I kind of panicked. I called the branch and asked them would this affect my credit, and since they said I had a good history and that I called the same day, that it would be solved and my credit wouldn't be affected. I really love the service that Chase provides me with.
Good or bad, you'll never know what type of insurance you have until you actually need it. I've been with Progressive for awhile, even before they started having a lot of funny commercials. It's pretty intriguing to work with a company that you know has a sense of humor and isn't just a company in suits just chilling in offices smoking cigars. I was really pleased with Progressive because they saved me around $320 a year since I had switched from another company to do business with them. My car had gotten totaled when I was parked and somebody ran into my car and pushed it up on the curb into a parking meter. When I called Progressive about this, they had a rental car ready for me that was ready in hours and they also brought it to my house, and shockingly less than 3 days later they told me that they had a check for me.
I've banked with a lot of credit unions and other major banks, but I just couldn't seem to find the one that was truly good for me... until I came across some ads for Bank of America. I was very interested in the proposals that I kept seeing from them, from commercials to ads on the computer, and they were even sending me mail. They have very good services and perks with banking with them, but to be honest sometimes the customer service is very lackluster and they seem incompetent. Like I said the actual services, such as credit cards, rates, percentage increase of my savings accounts and some other perks are very very pleasing to me, and it makes me glad to have a checking account with them, but at times the Customer Service kind of makes me want to switch to a different bank.
I've banked with Wells Fargo, Chase, and other credit unions and sometimes I can't help but bash them. Chase used to intentionally not inform me of overdrafts and other things that were wrong so they could charge me $35, which I thought was real shady. UWCU is a great family of people, and I say family because of how they interact. My only complaint is that a lot of their technology is about a decade old. At other places you can just swipe your debit card and enter the pin number that you have and the process is complete, but with them you have to actually use a paper slip. That's my only complaint, but like I said they have a great environment overall and they are always willing to help and have very few fees and lots of communication.
I've been a customer with Wells Fargo for awhile, and I rarely have any complaints or misfortunes dealing with them. They are very swift and efficient when it comes to solving any problem that I may have. When I enter into a Wells Fargo Branch, it has such a “homey” feeling, so I feel that I have become very good friends with some of the bank tellers and office workers. I have an iPhone, and the Wells Fargo App is very very useful when I'm out on the go, and I need to check something, or transfer funds for some reason. Overall Wells Fargo is very great in every aspect, whether it be Customer Service, to just the good “presentableness” of everything else they have to offer. I don't plan on switching to any other company for banking, because Wells Fargo does such a great job to keep me satisfied.